GingkoBiloba
ActiveGingkoBiloba has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €58k and a net result of €16k. Equity is growing by ~42.6% per year across the filed fiscal years. Its solvency ranks better than 67% of 31584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▼-6
Solvency97▲+16
Growth52=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 3.29 against 1.83 in 2024; short-term debt: 24.3% and cash: 28.3% of total assets), and 28.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
71.9%
Return on assets
20.2%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
2 d early
2024
28 d early
2023
30 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€58k▲ 39.0%
2024 · €42k
2023: €23k
2024: €42k
2023 → 2025
Total assets
€81k▲ 9.1%
2024 · €75k
2023: €56k
2024: €75k
2023 → 2025
Net result
€16k▼ 15.6%
2024 · €19k
2023: €22k
2024: €19k
2023 → 2025
Working capital
€45k▲ 67.1%
2024 · €27k
2023: €6k
2024: €27k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€23k-€42k▲ 85.9%€58k▲ 39.0%
Operating result€30k-€27k▼ 11.2%€25k▼ 8.8%
Net result€22k-€19k▼ 10.2%€16k▼ 15.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 9% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €81k
Fixed assets
€16k▲ 9.2%
Current assets
€65k▲ 9.0%
Equity and liabilities €81k
Equity
€58k▲ 39.0%
Debt
€23k▼ 29.7%
The debt ratio falls from 43.5% to 28.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€29k▼
2024 · €32k
Cash flow
€21k▼
2024 · €25k
Solvency
71.9%▲
2024 · 56.5%
Current ratio
3.29▲
2024 · 1.83
Quick ratio
2.72▲
2024 · 1.47
Debt / equity
0.39▼
2024 · 0.77
ROE
28.0%▼
2024 · 46.2%
ROA
20.2%▼
2024 · 26.1%
Interest coverage
22.67▼
2024 · 120.68
Debt
€23k▼
2024 · €32k
Debt ≤ 1 year
€20k▼
2024 · €32k
Debt > 1 year
€3k
Income taxes
€7k▼
2024 · €7k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€75k€81k▲
Fixed assets21/28€15k€16k▲
Tangible fixed assets22/27€10k€11k▲
Plant, machinery and equipment23€7k€5k▼
Furniture and vehicles24€1k€5k▲
Other tangible fixed assets26€2k€1k▼
Financial fixed assets28€5k€5k▲
Current assets29/58€59k€65k▲
Stocks and contracts in progress3€12k€11k▼
Stocks30/36€12k€11k▼
Amounts receivable within one year40/41€31k€30k▼
Trade receivables40€31k€26k▼
Other amounts receivable41€3€4k▲
Cash at bank and in hand54/58€16k€23k▲
Deferred charges and accrued income490/1€535€615▲
Equity and liabilities
Total equity and liabilities10/49€75k€81k▲
Equity10/15€42k€58k▲
Contributions10/11€1k€1k=
Profit (loss) carried forward14€41k€57k▲
Amounts payable17/49€32k€23k▼
Amounts payable after more than one year17-€3k
Financial debts170/4-€3k
Amounts payable within one year42/48€32k€20k▼
Current portion of amounts payable after more than one year42-€714
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€26k€17k▼
Taxes450/3€26k€17k▼
Other amounts payable47/48€4k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€4k▼
Other operating charges640/8€819€541▼
Gross operating margin9900€33k€29k▼
Operating profit (loss)9901€27k€25k▼
Financial income75/76B€22€14▼
Recurring financial income75€22€14▼
Financial charges65/66B€269€1k▲
Recurring financial charges65€269€1k▲
Profit (loss) for the period before taxes9903€27k€23k▼
Income taxes67/77€7k€7k▼
Profit (loss) for the period9904€19k€16k▼
Profit (loss) for the period to be appropriated9905€19k€16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€41k€57k▲
Profit (loss) brought forward from the previous period14P€22k€41k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €16k ▼15.6%
Net result drops to €16k, the lowest in the series.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Gent · 1 establishment unit since 2022
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Honoré Drubbelstraat 89041 GentGround area
1,012 m²
Building footprint
160 m²
Volume, LiDAR
796 m³
Parcel 44051D0072/00Y000, Flanders · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Honoré Drubbelstraat 8, 9041 Gent
since 20222.336.921.327
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44051D0072/00Y000 | Flanders | 1,011 m² | 1 · 160 m² | 6.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 1,694 EUR awarded · 1,694 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 1,694 EUR | 1,694 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,546 companies in sector 70200 we hold annual accounts for 52,574. 38,884 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-09-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68203Renting and operating of own or leased non-residential real estate, excluding land
85699Other educational support services
88999Other social work without accommodation
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.